TellerScore

Headquartered in Dilworth, Minnesota, Northwestern Bank, National Association is a national bank with $164.7M in total assets and $143.7M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1915.

Based on its Q2 2026 filing, Northwestern Bank, National Association scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 108th. Its strongest component is earnings (94/100; 1.85%), and its lowest is loan quality (59/100; 1.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.15%
Loan quality59/100
Noncurrent loans ÷ total loans: 1.23%
Earnings94/100
Return on assets (annualized): 1.85%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 86.6% · 22.7% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.48%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 22 points (48 → 70), mostly because the loan quality component improved by 59 points.

TellerScore
455973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202472
Q4 202445
Q1 202546
Q2 202548
Q3 202549
Q4 202560
Q1 202673
Q2 202670
Tier 1 leverage ratio
5.00%8.08%11.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.29%
Q3 202410.53%
Q4 202410.42%
Q1 202510.63%
Q2 202510.90%
Q3 202510.96%
Q4 202510.71%
Q1 202610.60%
Q2 202611.15%
Noncurrent loans
0.25%1.87%3.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.29%
Q3 20240.28%
Q4 20243.49%
Q1 20253.37%
Q2 20253.21%
Q3 20252.90%
Q4 20251.60%
Q1 20260.25%
Q2 20261.23%
Return on assets
0.82%1.33%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.84%
Q3 20240.82%
Q4 20240.85%
Q1 20250.90%
Q2 20251.01%
Q3 20251.10%
Q4 20251.08%
Q1 20261.29%
Q2 20261.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$164.7M11.15%1.23%1.85%86.6%
Q1 202673$166.9M10.60%0.25%1.29%81.5%
Q4 202560$168.8M10.71%1.60%1.08%81.4%
Q3 202549$156.6M10.96%2.90%1.10%87.7%
Q2 202548$162.4M10.90%3.21%1.01%81.9%
Q1 202546$164.9M10.63%3.37%0.90%77.1%
Q4 202445$169.8M10.42%3.49%0.85%75.6%
Q3 202472$158.9M10.53%0.28%0.82%80.4%
Q2 202470$158.2M10.29%0.29%0.84%82.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.15%
53rd
Total risk-based capital0.00%
24th
Problem loans1.23%
23rd
Net charge-offs0.19%
13th
Return on assets1.85%
82nd
Net interest margin6.20%
99th
Efficiency ratio67.1%
37th
Loans to deposits86.6%
34th
Uninsured deposits22.7%
54th
Loan-loss reserves1.61%
84th
Texas ratio7.5%
25th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Freeport State BankBank Freeport, MN77 out of 100, Strong$165.5M10.7%0.00%vs
First Security BankBank Byron, MN37 out of 100, Low$161.7M7.9%2.63%vs
First Southeast BankBank Harmony, MN68 out of 100, Moderate$158.3M8.4%0.14%vs
Perennial BankBank Darwin, MN63 out of 100, Moderate$158.1M9.5%1.36%vs
Prime Security BankBank Karlstad, MN59 out of 100, Moderate$154.5M8.7%0.52%vs
State Bank of FairmontBank Fairmont, MN61 out of 100, Moderate$154.2M10.4%2.03%vs

Deposit insurance

Is my money safe at Northwestern Bank, National Association?

Yes. Northwestern Bank, National Association is an FDIC-insured institution (FDIC certificate #9746). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.7% of deposits ($32.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Northwestern Bank, National Association lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Northwestern Bank, National Association reported 54 home-loan applications under HMDA (LEI 549300X2ZT06KCNAN962): 51 originated ($12,595,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Northwestern Bank, National Association
Former names
The Northwestern State Bank of Ulen
Type
National bank
FDIC certificate #
9746
RSSD ID
207555
Primary regulator
OCC
Holding company
Northwestern Bancshares Inc
Established
July 1, 1915
Headquarters
4 Main St N, Dilworth, MN 56529
Employees
36

Quick answers

Northwestern Bank, National Association: common questions

Is Northwestern Bank, National Association FDIC insured?

Yes. Northwestern Bank, National Association is an FDIC-insured institution (FDIC certificate #9746). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Northwestern Bank, National Association's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Northwestern Bank, National Association ever failed?

There is no failure record for FDIC certificate #9746 in the FDIC failed bank list.

How many branches does Northwestern Bank, National Association have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dilworth

InstitutionScoreAssetsCapitalProblem loansCompare
Fargo VA Federal Credit UnionCredit union Fargo, ND84 out of 100, Strong$14.1M12.6%0.00%vs
Valley Premier BankBank Hawley, MN81 out of 100, Strong$141.0M11.1%0.00%vs
Fargo Public Schools Federal Credit UnionCredit union Fargo, ND80 out of 100, Strong$58.2M12.2%0.01%vs
F.F.E. Federal Credit UnionCredit union Fargo, ND79 out of 100, Strong$3.8M13.5%0.00%vs
First United BankBank Park River, ND78 out of 100, Strong$810.8M10.1%0.01%vs
Western State BankBank Devils Lake, ND78 out of 100, Strong$2.5B13.2%0.90%vs